Applications / Mortgage Analytics / Lenders / Michigan / St. James Mortgage
Bloomfield Hills, MI · Independent non-bank lender · CFPB · 26 loans in 2025
St. James Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
26
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. James Mortgage, a Michigan mortgage company, is a sliver of its former size: it made 26 loans in 2025, against 708 in 2020.
Its loans fell from 708 in 2020 to 404 in 2021 and 51 in 2022, and have stayed far below their peak since. In 2020 its typical rate was 2.88%. Refinances still make up most of its lending, and a refinance lender may lose most of its business once rates rise, which is one possible reason for the fall. In 2025 its loans dipped from 28 to 26, while the typical similar lender grew 3%.
Similar lenders here are independent non-banks making between half and twice as many loans. Its loans were all conventional, with none backed by a government agency and none on a manufactured home. Refinances made up 61.5% and purchases 34.6%. On 26 loans, that split could shift with a handful of loans.
With 26 loans, one loan more or less moves any share of its lending by several points. Its shares by borrower, neighborhood and price are too small to read much into. It has lent in the Detroit area since 1993, and its lending now sits in five Michigan counties.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. St. James Mortgage took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.5% · Purchase 34.6% · Other 3.8%
Conventional 100.0% · of 26 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 19 |
| Detroit-Dearborn-Livonia | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006Y55XBWPK4OX71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3871975 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7382849685 | |
| Respondent ID (the HMDA filer code before 2018) | 79900000375 | 1993–2016 |
Established 30 April 1989. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: St. James Mortgage's data.
St. James Mortgage's data
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St. James Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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